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New Member
posted Mar 12, 2024 12:38:20 PM

Can i deduct monies withdrawn from my retirement account when investing the money into new home construction costs?

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2 Replies
Level 15
Mar 12, 2024 12:41:03 PM

A withdrawal from a retirement account is not deductible.  The taxable amount reported on the Form 1099-R in box 2a is entered on your federal tax return as ordinary income.

Expert Alumni
Mar 12, 2024 3:11:05 PM

The distribution you take from your retirement account can be taxable and can be subject to a 10% penalty if you are under the age of 59 1/2. If the funds withdrawn are for a qualifying first-time home purchase, you may be able to exclude up to $10,000 of the money from the 10% penalty. The main qualification is that you did not own a home for two years prior to the date your purchased your home. You can learn more on page 27 of IRS publication 590-B.   Pub 590-B

 

You will see questions regarding this in TurboTax after you enter your From 1099-R reporting your pension plan distribution, if you are subject to the penalty.